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Huaan**'s "trend fixed investment" is indeed very powerful! It dares to claim that it can automatically defend returns, mainly because trend regular investing can do the following:
The key to winning the investment is whether it can "sell high and buy low". But when I saw the ** fall, everyone's reaction was to be scared and didn't dare to **; Seeing the ** rise, more people are happy, feel that it will rise, and are reluctant to throw it. Trend Investing can help you do just that.
First of all, we need to select "high risk**" and "low risk**", the deduction cycle of the regular investment, the ** combination and the underlying index. As long as you set the above parameters correctly in advance, the judgment of the long-term trend in the market will be very accurate.
When it is judged that the market trend is starting to strengthen, the trend will automatically convert the full amount of "low risk**" held in the previous period to "high risk**"; The newly added fixed investment amount for each period is automatically "high risk"; When the market is at a low level and the trend begins to rise, the trend of regular investment is still non-stop, so that investors can enjoy the possible benefits of the market.
When judging that the market trend begins to weaken, the trend will automatically convert the full amount of the "high risk**" held in the early stage into "low risk**", and the new fixed investment amount in each period is also **"low risk**", so as to avoid the market**, and your regular investment income will also shrink!
In short, with the help of "trend investment", investment can not only enjoy the benefits brought by the mid-term market, but also avoid the losses caused by the mid-term market. Therefore, it can automatically defend the regular investment income.
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I don't have the same point of view as LS.
Because the trend is a smart and innovative product.
Its biggest advantage is to judge the direction of **.
Before purchasing the product, the "Underlying Index", "**Portfolio" and High and Low Risk products will be set.
When it is judged that the market trend is strong, the investor's fixed investment amount in each period will be **"high-risk** product", and the original "low-risk**" balance will be fully converted into "high-risk**", so as to share the possible benefits of the market outlook**.
On the contrary, when the market trend is judged to be weak, the investor's fixed investment amount in each period will be **"low-risk** product", that is, hedging**, and the original "high-risk**" balance will be fully converted into "low-risk**", so as to protect the results of the regular investment income obtained in the early stage and avoid possible losses in the future**.
In fact, I think it is through the system to increase the professionalism of ordinary people's investment, for the time being, to buy a regular investment, generally a little professional people will choose a different time point each month to buy, or choose a different amount of regular investment each period to maximize returns;
If you are more professional, you will convert your high-risk products into bonds or currencies when you are the first to avoid falling again;
In fact, these practices belong to solving the problem of the loss of income from regular investment that is rising, which is closer to the initial idea of trend regular investment, but it is still at the tactical level, while trend regular investment is at the strategic level.
However, when something innovative appears, some people will say the opposite.
Some people are against it because they see the shortcomings.
It's unprofessional if someone objects to it, haha.
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You don't believe this thing, it's fake, it's fooling.
How to defend earnings?
If it rises and falls, it will sell part of the high-risk **, in fact, it will automatically sell part of it when it rises to make money, and sell part of it when it falls, so as not to fall even more.
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I used to use ordinary regular investment, because the level is limited, I really can't understand the market trend, every time I encounter the market after a large **, the result is often encountered "high fixed investment, low stop deduction", or the income back to zero point, etc., hey, not to mention how depressed it was at that time! Well, now, this trend of regular investment seems to be able to solve these problems.
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Yes, it is true that trend regular investing can defend returns better than ordinary regular investments.
This tool is mainly judged by the underlying index and the combination of the index.
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Regular investment is **regular investment, which refers to investing a fixed amount (such as 500 yuan) into a designated open-ended investment at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method.
**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market becomes pure travel, it can always obtain a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth, and eliminate the volatility of the market.
Adopt the **regular fixed investment method, no matter how the market fluctuates, a fixed day of fixed investment ** every month**, which will be automatically deducted by the bank, and the number of shares that can be bought will be automatically calculated according to the **net value.
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Definition of regular investment: regular fixed investment is referred to as regular investment, and the biggest advantage of this method is that the investment cost is balanced through regular investment, so as to reduce the loss caused by timing error.
There are 3 ways to invest regularly:
1. Regular quota method
The regular quota method is the most basic regular investment strategy. The so-called regular quota refers to the amount of money invested in a fixed banquet at a fixed time in each period, such as 1,000 yuan per month, 500 yuan per week, and so on.
This method is more suitable for "novices" who have no experience in regular investment, with simplicity and certainty as the priority, and the requirements for funds are also more fixed and predictable, which is the easiest of all methods to adhere to.
2. Value averaging method
The traditional "regular and fixed" fixed investment is based on the long-term investment goal of investing in periods, diluting costs and reducing investment risks, while the "value averaging strategy" takes the annual growth of asset market value as the long-term goal.
Through simple quantification, we force ourselves to stick to mechanized contrarian investment in order to achieve long-term returns that exceed the market average.
To put it simply: If the total market value of ** falls, buy more in this period; On the contrary, you should buy less in this regular investment; If the total market value rises sharply, some will have to be redeemed.
It should be noted here that it is not the net value that falls to buy more, but the total market value to buy more. Here's an example:
It is planned to invest 1,000 yuan per month, and invest 1,000 yuan in the first month.
In the second month, if **10%, the value of 1000 yuan in the first month becomes 900, then in the second month, in addition to the 1000 yuan of the regular investment plan, you need to make up 100 yuan. So the actual investment in the second month was 1100 yuan.
In the second month, if ** 10%, the value of 1000 yuan in the first month becomes 1100, then in the second month, 100 yuan should be subtracted from the original plan of 1000 yuan. So the actual investment in the second month was 900 yuan.
And so on....Compared with ordinary regular investment, the value averaging strategy is a regular investment method with a fixed amount.
There are high requirements for investors' cash flow, so it is mainly suitable for two situations: in the early stage of a new round of regular investment, the amount that has been invested is still relatively small, and the corresponding potential volatility is low; There is a large amount of idle funds in hand, and the bank wants to put the principal into the market in batches.
3. Line regression method
Different from the value averaging strategy, "** Auto-Invest" is a simple, but very effective AIP method.
The core logic is very simple, the current ** always revolves around the average ** of the past n days, buy a little more when ** is lower than **, buy a little less when ** is higher **, and achieve buy low and sell high.
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Regular investment refers to the investment behavior of investing in a fixed amount of money at a fixed time in a specified open-ended, and regular investment will generally bring good returns to investors, the main reasons are as follows:
1. Regular investment is a long-term investment, which can diversify the risks caused by short-term market fluctuations by increasing the share of holdings and amortizing costs.
2. **Regular investment has the effect of compound interest, that is, the interest generated by the principal is added to the principal to continue to derive income, resulting in the effect of rolling interest.
Investors should pay attention to two issues when conducting regular investment operations: the timing of intervention is appropriate; The ** selection of the hidden Tong target is correct, and it is best to choose the manager who carries the source to strengthen the management ability, and the **historical performance is better**, and the regular investment operation is carried out in the process of **.
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Regular investment is to set a specific time and a specific investment amount, and at the set time, the system will automatically use the corresponding amount directly from the designated bank card account to purchase the designated wealth management product. The most common use is to use it when buying**, and there are many investment and wealth management products on the market that use regular investment.
Regular investment is a commonly used investment method in **investment, simply put, after the user has selected the **product, set a specific time and a specific investment amount, then at the set time, the system will automatically use the corresponding amount from the designated bank card account directly to purchase the specified ** product.
For example, if the user sets the 16th of each month from his own ** investment date, the fixed investment amount is 1,000 yuan, and the regular investment product is a **product selected by himself, such as E Fund consumption**, then on the 16th of each month, the system will automatically deduct 1,000 yuan from the China Merchants bank card for the purchase of E Fund consumption**, and the user can withdraw his cumulative investment amount together at one time later.
Although when it comes to regular investment, the first reaction will be to think of the first regular investment, but in fact, regular investment has been used in many investment products, and general banks also have their own regular investment products, for example, many banks have products that transfer a fixed amount from the bound bank card to the fixed deposit account every month.
**Suitable for regular investment:
1. Office workers.
After deducting daily living expenses, most office workers often have a small amount of money left over from their salary, and a small regular investment method is the most suitable. In addition, since most office workers cannot go through the subscription procedures in person at financial institutions during business hours, the regular fixed amount of investment set up in the designated account is the most time-saving and trouble-saving way for office workers.
2. Those who have special financial needs at a certain point in the future.
For example, you must pay the down payment for the purchase of a house after three years, your children will study abroad after 20 years**, and even retire after 30 years**, etc. When it is known that there will be a large amount of capital needs in the future, it is better to plan in advance by investing in small amounts on a regular basis, which will not only not cause financial burden, but also make the small monthly money become big money in the future.
3. People who don't like to take too much investment risk.
Due to the advantages of the weighted average investment cost of regular fixed investment, it can effectively reduce the cost of the overall investment, so that the risk of volatility is reduced, and the opportunity to make profits is enhanced.
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<> "Financial Trivia.
a little financial knowledge
Invest a fixed amount on a regular basis.
The standard definition of regular fixed investment is a kind of investment method in which the investor applies through the designated sales agency, agrees in advance on the deduction date, the amount of deduction from the old mainland, the deduction method and the name of the investment, and the sales agency automatically completes the deduction and subscription in the bank account designated by the investor on the agreed deduction date.
Regular investment refers to regular investment in ** or other investment targets in a fixed manner. Regular investment is suitable for salaried people to carry out long-term financial management.
Invest a fixed amount on a regular basis.
Make an appointment. Agree on the amount to be deducted.
Automatic deduction of investments.
Generally speaking, there are two types of investment, single investment and regular fixed amount. The method of regular quota is similar to the method of "lump sum deposit" of bank savings. The so-called "regular quota" is to invest a fixed amount (e.g. $500) in the same open-ended ** at fixed intervals (e.g. the 25th of each month).
Its biggest benefit is the average investment cost and the risk of choosing.
Introduction to the advantages. Clause.
1. Invest regularly and add up to a lot. Investors may have some idle funds every once in a while, and they can "gather sand into a mound" and accumulate a lot of wealth unconsciously by purchasing the target for investment appreciation through a regular fixed investment plan.
Clause. Second, there is no need to consider the timing of investment. The key to investment is to "buy low and sell high", but few people grasp the best buying and selling point to make a profit when investing, in order to avoid this artificial subjective judgment error, investors can invest in the market through the "regular investment plan", do not care about the time of entry, do not have to care about the market, do not need to change the long-term investment decision for its short-term fluctuations.
Clause. 3. Average investment and risk diversification. The funds are invested in installments, and the cost of investment is high and low, and the long-term average is relatively low, so the investment risk is diversified to the greatest extent.
Clause. Fourth, the compound interest effect is considerable in the long run. The income of the "regular investment plan" is a compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income, and the compound interest effect becomes more obvious over time through the effect of rolling interest.
The compounding effect of regular investment takes a long time to fully show, so it is not advisable to terminate it casually due to market fluctuations. As long as the long-term outlook is good, the short-term market is the time to accumulate more cheap units, and once the market is first, the long-term accumulated units can be profitable at one time.
Clause. 5. Automatic deduction, simple procedures. You only need to go to the ** agency to go through the one-time procedures, and the deduction subscription for each period in the future will be carried out automatically.
The Seven Golden Rules. 1. Set financial goals.
2. Do what you can.
3. Choose a market with an upward trend.
4. The investment period determines the investment object.
5. Perseverance.
6. Grasp the timing of termination.
7. Make good use of partial termination and timely conversion.
Suitable for people. 1. Young moonlight clan.
2. Office workers with a fixed salary.
3. There is a special (or larger) capital demand at a certain point in the future.
4. People who don't like to take too much investment risk.
If the net value on the deduction date is low, the purchased share is large, and the net value on the deduction date is high, the purchased share is small, and it is not accounted for.
**Regular investment concept
**Regular investment is the abbreviation of "regular and fixed amount buying**", which refers to a long-term investment method in which the investor agrees on the monthly deduction time and the amount of deduction, and the sales agency (CCB) automatically completes the deduction and the application for late demolition from the investor's designated capital account on the agreed date of each month. It has the advantages of simple procedures, average cost, risk diversification and compound interest effect. >>>More
A common way to invest regularly is to invest a fixed amount of money on a regular basis, that is, to subscribe for a fixed share of the company in a fixed period of time every week or month. Regular investment can average the cost, diversify risks, and achieve automatic investment, so regular investment is also known as "lazy investment". This is a longer-term investment, and the short-term effect is not obvious, so make sure that you can come up with a spare amount of money in the long run.
There is no need to calculate, ** regular investment will not produce compound interest, and it can be debunked in one sentence. **Not every year**, so it is specified that there is a loss and a profit, and it is easy to say that it is profitable, but what about the loss? Where does compound interest come from? >>>More
**There are three techniques for regular investment, skill 1: timing fixed investment method, skill 2: set an effective take-profit line, skill 3: buy enhanced index**. >>>More